In a post-SECURE Act world, the tax-efficient transfer of your IRA wealth can now be best accomplished through the benefits of using tax-free life insurance. By Bill Monte, CLU, ChFC, CLTC, LTCP, RICP As a legacy planning and wealth transfer expert, my objective is always to educate my …
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What to Know Before Purchasing a Long-Term Care Rider
What to Know Before Purchasing a Long-Term Care RiderDo you know the difference between a long-term care rider and chronic illness rider? Section 7702B and Section 101(g)? If you're contemplating a life insurance policy or annuity with a long-term care rider, make sure to understand the key …
How To Get A Better Rate On An Existing Life Insurance Policy If Your Health Has Improved
How To Get A Better Rate On An Existing Life Insurance Policy If Your Health Has ImprovedWere you in less-than-perfect health when you applied for and bought life insurance coverage? Maybe you wanted to lose weight, had blood pressure that was a high or had a smoking habit you needed to kick. But …
Everything You Need to Know About Probate
Everything You Need to Know About ProbatePROBATE IS A LEGAL process that takes place after a person's death. The specifics of the probate process vary by state, but the overarching goal in most cases includes validating and authenticating the final will, making sure debts are paid and distributing …
Answers to Common Questions About Coronavirus and Life Insurance
Answers to Common Questions About Coronavirus and Life InsuranceThe coronavirus has more people thinking about life insurance, and it has also changed the process for getting coverage.THE CORONAVIRUS IS making more people think about the importance of life insurance to protect their families if …